Portfolio Risk Analyst

Amar Bank (Jakarta, Jakarta, Indonesia)

DKI Jakarta, Indonesia

Amar Bank is transforming banking for the digital era since 2014. We're all about supporting small businesses and those who don't have access to conventional banks. Our AI and cloud technology hooks you up with personalized ways to save, pay, and handle your finances. Meet our star player: Tunaiku! As of 2023, Tunaiku has served more than 14 million loan applicants, enabling those who are in need to access over IDR 9 trillion loans. At Amar Bank, we aim to make a meaningful impact on the lives of our customers. Get ready to level up with our epic innovations! PT Bank Amar Indonesia Tbk is a participant in LPS guarantee, licensed and supervised by OJK.

About this position

Managing the portfolio of MSME clients, ensuring the health of the portfolio, analyzing delinquency trends, and implementing strategies to mitigate risks. This role involves close collaboration with other team members to maintain a robust and profitable MSME portfolio while supporting the financial needs of clients.

Responsibilities

• Monitor and analyze MSME portfolio performance
• Implement strategies to optimize performance and profitability
• Conduct regular reviews and prepare management reports
• Track and analyze delinquency trends
• Develop action plans to reduce delinquency rates
• Collaborate with the collections team for timely recovery
• Utilize analytics tools for portfolio insights
• Create and maintain KPI dashboards
• Prepare accurate and timely reports for stakeholders
• Identify and assess portfolio risks
• Develop and implement risk mitigation strategies
• Monitor and adjust mitigation measures
• Maintain strong client relationships
• Provide support to manage client financial obligations
• Address client queries promptly
• Ensure compliance with regulations and policies
• Stay updated on regulatory changes
• Assist in audits related to portfolio management

Requirements

• Bachelor's degree in Finance, Business Administration, Economics, or related field
• 2-3 years of experience in portfolio or risk management, preferably with MSME clients
• Strong analytical skills. Proficiency in data analysis tools (Excel, SQL, BI tools)
• Excellent communication skills. Ability to work independently and in teams. Attention to detail
• Understanding of MSME banking products
• Familiarity with risk management practices
• Knowledge of MSME regulatory requirements
• High integrity and professionalism
• Ability to multitask and meet deadlines
• Willingness to learn and adapt